The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$12,086
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,462
−HK$381/mo
Today · 4.125%
HK$12,843
baseline
▲ 0.50% · 4.625%
HK$13,625
+HK$782/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$25,686/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,445
−HK$726/mo
▼ 0.25% · 3.875%
HK$13,806
−HK$365/mo
Today · 4.125%
HK$14,171
baseline
▲ 0.50% · 4.625%
HK$14,918
+HK$747/mo
Deposit HK$2.65M · loan HK$2.65M · min. income ≈ HK$28,342/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$119,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,503
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,954
−HK$458/mo
Today · 4.125%
HK$15,412
baseline
▲ 0.50% · 4.625%
HK$16,350
+HK$938/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$30,824/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,134
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,567
−HK$439/mo
Today · 4.125%
HK$17,006
baseline
▲ 0.50% · 4.625%
HK$17,902
+HK$896/mo
Deposit HK$2.12M · loan HK$3.18M · min. income ≈ HK$34,012/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$119,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,920
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,446
−HK$535/mo
Today · 4.125%
HK$17,981
baseline
▲ 0.50% · 4.625%
HK$19,075
+HK$1,094/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$35,962/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,823
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,328
−HK$512/mo
Today · 4.125%
HK$19,840
baseline
▲ 0.50% · 4.625%
HK$20,886
+HK$1,046/mo
Deposit HK$1.59M · loan HK$3.71M · min. income ≈ HK$39,680/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$119,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,754
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,431
−HK$687/mo
Today · 4.125%
HK$23,118
baseline
▲ 0.50% · 4.625%
HK$24,525
+HK$1,407/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$46,236/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,201
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,850
−HK$659/mo
Today · 4.125%
HK$25,509
baseline
▲ 0.50% · 4.625%
HK$26,853
+HK$1,344/mo
Deposit HK$530K · loan HK$4.77M · min. income ≈ HK$51,018/mo (50% DSR)
Upfront cash ≈ HK$649K (deposit + AVD stamp duty HK$119,253 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).